Head to head · 2026
Garanti BBVA Savings vs Savings Vault
How these two savings accounts stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
Savings Vault is the stronger pick for most expats.
- Interest rate: 1.74% vs 2.55% for 6 mo, then 1.55%
Garanti BBVA
Garanti BBVA Savings
Dutch-registered bank (part of BBVA group) offering 1.55% standard rate with a 2.55% promo for the first 6 months. Solid option with DNB supervision.
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Revolut
Our pickSavings Vault
Up to 2.59% on Ultra plan, 1.74% on Standard plan. Daily interest payments. Great if you already use Revolut for travel.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
Garanti BBVA Savings
What we like
- 2.55% promotional rate for 6 months
- Dutch-registered bank with DNB supervision
- Full €100k deposit guarantee
- No lock-up period
What to consider
- Standard rate drops to 1.55% after promo
- Less known brand in Netherlands
- Basic online interface
- Rate may change
Savings Vault
What we like
- Up to 2.59% (Ultra plan)
- Daily interest payments
- Excellent app and UX
- Multiple currency savings
What to consider
- Best rate requires expensive Ultra plan
- Lithuanian banking license
- Can be confusing with multiple vaults
- Rate varies by subscription tier
Frequently asked
Is Garanti BBVA Savings or Savings Vault better for expats in the Netherlands?
Savings Vault comes out ahead for most expats. Interest rate: 1.74% vs 2.55% for 6 mo, then 1.55%
Which has the higher interest rate, Garanti BBVA Savings or Savings Vault?
Savings Vault pays more — 1.74% versus 2.55% for 6 mo, then 1.55%.
Are Garanti BBVA Savings and Savings Vault covered by the Dutch deposit guarantee?
Garanti BBVA Savings is covered (deposits protected up to €100,000). Savings Vault is covered up to €100,000.